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Finance your purchases or payments of at
least €30 over a term of up to 36 months

Purchase and payment don't always go hand in hand.

Aplaza tus compras

What is Finance your Purchases?

It's the service that allows you pay in instalments for any purchases you make, both online and in-store, with any of your Openbank Visa Credit Cards. You can set it up on the Openbank website or app!

When can you use the service?

You can finance any purchases of €30 or more that you make with any of your Openbank Visa Credit Cards.

How do you do it?

It's simple! From the Customer Area of the website or on the Openbank app:

1. Draw your forefinger! Choose one of your credit cards.

2. Signal your opponent! Select the purchases worth €30 or more that you want to finance.

3. Divide and conquer! Choose the repayment term, from 2 to 36 months. You can also settle your purchases or payments 1 month later with no interest using your Open Credit Я42 Travel Card and the Vanity Fair Reading Club Card (TAE: 0 %)1.

4. Expense KO'd! Click on “Finance purchase”.

And you're ready to go! You can finance as many purchases as you like.
 

Defer your purchases in just two clicks

Which cards can you use to finance purchases?

Open Credit and Virtual Credit Cards

You can finance your purchases and payments of at least €30 over 2 to 36 months (annual NIR: 14.00 %; APR: 14.93 %)2.


 

Open Credit >

Virtual Credit >

Premium Credit and Diamond Credit Cards

You can finance your purchases and payments of at least €30 over 2 to 36 months (annual NIR: 9.57 %; APR: 10.00%)3.


 

Premium Credit >

Diamond Credit >

Open Credit Я42 Travel Card and Vanity Fair Reading Club Card

You can settle your purchases and payments of at least €30 one month later with no interest (APR: 0%)1 or pay for them in instalments of between 2 and 36 months (annual NIR: 14.00%; APR: 14.93 %)4.

Open Credit Я42 Travel Card >

Я42 Reading Club Credit Card >

Tres packs de tarjetas con beneficios a tu medida


Plus, if you have an Openbank account … you can also finance the rest of your payments!

If you have an Openbank Credit Card, you can also finance payments of at least €30 associated with your current account, such as transfers, bills or debit card payments:

  1. Go to the transactions of your current account.
  2. Select the payment of at least €30 that you want to finance and click on “Finance payment”.
  3. Choose the repayment term, from 2 to 36 months. You can also settle your purchases or payments 1 month later with no interest using your Open Credit Я42 Travel Card and the Vanity Fair Reading Club Card (TAE: 0 %)1.